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Auto insurance can be expensive for drivers with bad credit. Insurers rely on credit as a rating factor, assigning their premiums based in part on clients' credit scores. Since auto insurance companies use historical data showing drivers with low credit scores are more likely to file auto insurance claims, they account for for the additional risk by charging more.
How much you pay for car insurance with bad credit depends on which company you choose, where you live, and many other rating factors. See below average insurance prices for drivers with bad credit in major Nevada cities, along with rates from top insurance companies, plus a few tips on how to save on auto insurance if you have a bad credit score in Nevada.
Drivers in Nevada pay an average penalty of $2,246 per year for having a "worst"-tier credit score. A driver in either the “poor” or “below fair to poor” credit tier will also pay above-average rates for a car insurance policy.
| Credit Tier | Average Annual Rate in Nevada |
| Worst | $4,048 |
| Poor | $3,522 |
| Below Fair to Poor | $3,123 |
| Average — All Credit Tiers | $1,802 |
Your car insurance prices also depend on the specific area in which you drive. Insurance companies rely on your address to better understand your odds of filing a claim: the denser and claim-prone your immediate area is, the more you'll pay for insurance.
Listed below are major Nevada cities and their average car insurance rates for drivers with low credit scores.
| City | Average Annual Rate — Worst Credit | Average Annual Rate — Poor Credit | Average Annual Rate — Below Fair to Poor Credit |
| Las Vegas | $5,434 | $4,725 | $4,178 |
| Henderson | $4,905 | $4,258 | $3,762 |
| Reno | $3,344 | $2,923 | $2,609 |
| Paradise | $5,935 | $5,150 | $4,544 |
| North Las Vegas | $5,207 | $4,534 | $4,017 |
Another factor contributing to how much you pay for car insurance is the insurance company you buy from. Each auto insurance company prices policies differently, giving rating factors varying weights in their calculations. Credit history is often a significant pricing differentiator between otherwise-similar insurance companies. In Nevada, the cheapest insurance company for a driver with bad credit is GEICO, which offers a discount of $324 per annum over the second-cheapest company, American Family.
See rates from leading auto insurance companies in Nevada for drivers with bad credit.
| Company | Average Annual Rate — Worst Credit |
| GEICO | $2,063 |
| American Family | $2,386 |
| USAA | $2,637 |
| Progressive | $3,071 |
| Mid-Century | $3,903 |
If you're buying car insurance with a low credit score, keep these tips in mind: